Imagine you owe on five credit cards, you owe five debts. So which debt should you pay first? And the answer is very simple: You should pay the one with the highest interest rate first. But that's not what people do.

individuals are honest only to the extent that suits them (including their desire to please others)

What reminds you in your environment about saving? Nothing.

In life we encounter many people who, in some way or another, try to tattoo our faces.

The real issue is, how much goodwill do you invest in the work? And goodwill is not something that we can buy with money. It's very hard to buy goodwill with money.

We need to believe that we're good people, and we'll do just about anything to maintain that perception.

When people are in severe pain, there's an expression, you're a "pain person," and what that means is that nothing else matters.